2002 Cadillac DeVille Insurance Rates

Have you had enough of sacrificing to pay your auto insurance bill each month? Your situation is no different than millions of other people. Popular companies such as Allstate, Liberty Mutual and State Farm promote their brand names with TV and radio ads and it is difficult to see through the deception and effectively compare rates to find the best deal.

Cadillac DeVille insurance rates can be lower

An important part of buying insurance is that you know some of the factors that play a part in calculating the price you pay for insurance. If you understand what determines premiums, this enables you to make decisions that may reward you with big savings.

  • Never let your policy lapse – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. And not only will your rates increase, being ticketed for driving with no insurance can result in a license revocation or jail time.
  • Urban residents pay more – Having an address in a small town has it’s advantages when buying insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. City drivers have congested traffic and higher rates of accident claims. Spending more time driving means more chance of being in an accident.
  • Do you know you’re credit rating? – An insured’s credit history will be a significant factor in your rate calculation. Consumers who have excellent credit scores tend to be more responsible as compared to drivers with poor credit scores. So if your credit can use some improvement, you could be paying less to insure your 2002 Cadillac DeVille by spending a little time repairing your credit.
  • Theft deterrents lowers rates – Selecting a car model with anti-theft technology or alarm system can help lower your premiums. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Driving citations drive up prices – Having just one ticket may increase your cost to the point where it’s not affordable. Good drivers pay lower auto insurance prices than bad drivers. Drivers who have received flagrant citations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
  • Amount of liability protection – Liability insurance will provide protection in the event that a jury decides you are liable for causing personal injury or damage in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.

Do you qualify for discount car insurance?

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that you may not even know about. A few discounts will be applied when you complete an application, but less common discounts must be asked for before being credited. If you do not double check each discount possible, you could be paying more than you need to.

  • Drive Less and Save – Low annual miles could be rewarded with lower rates due to less chance of an accident.
  • Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a insurance quote.
  • Government Employees – Federal government employees could provide a small rate reduction for DeVille insurance with select insurance companies.
  • Renewal Discounts – Some larger companies give discounts for switching policies prior to the expiration date on your current policy. This can save 10% or more.
  • Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you can avoid monthly service charges.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.

Just know that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few companies that may have many of the previously listed discounts possibly include:

Before purchasing a policy, check with all the companies how many discounts you can get. Discounts may not be available in every state. If you would like to view insurers that offer some of these discounts, click here.

Auto insurance advertising gotchas

Consumers can’t avoid all the ads that promise big savings for switching by companies like State Farm and Allstate. All the companies advertise claims of big savings after switching to them.

How do they all charge you less for car insurance? It’s all in the wording.

Insurance companies have specific guidelines for the type of driver they prefer to insure. A good example of this type of driver might have to be between 30 and 50, insures multiple vehicles, and has great credit. A customer getting a price quote who meets those qualifications will get a cheap rate quote and have a good chance to save some money.

Potential insureds who fall short of this stringent profile will get higher rates with the end result being the customer buying from someone else. The ad wording is “drivers that switch” not “all people who quote” save money. This is how insurance companies can confidently make those claims. Because of the profiling, drivers must compare rate quotes every year. You cannot predict which company will have better rates than you’re paying now.

What insurance coverages do I need?

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • What is an SR-22 filing?
  • How much liability insurance is required?
  • What are the financial responsibility laws in my state?
  • Is motorclub coverage worth it?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I benefit by insuring my home with the same company?
  • How can I get my company to pay me more for my totalled car?
  • When can I cancel my policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages 101

Knowing the specifics of insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like loss of income, court costs, legal defense fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses for surgery, hospital visits and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, crashing into a ditch, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Cadillac DeVille.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Feed the piggy bank

Affordable 2002 Cadillac DeVille insurance is possible from both online companies and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies may not have price quotes online and usually these smaller providers only sell coverage through independent agents.

When shopping online for auto insurance, don’t be tempted to buy less coverage just to save a little money. In many instances, an accident victim reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

We covered many ways to save on 2002 Cadillac DeVille insurance. It’s most important to understand that the more times you quote, the better your comparison will be. You may even find the lowest priced auto insurance comes from a smaller regional carrier. They may have significantly lower rates on certain market segments compared to the large companies like Progressive or Geico.

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